Call reports 2001
INTERNATIONAL BANK OF COMMERCE — 2001
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 224,311,000 | 216,422,000 | 205,937,000 | 216,814,000 |
| Total loans | 43,737,000 | 44,896,000 | 51,160,000 | 50,278,000 |
| Allowance for loan losses | 601,000 | 633,000 | 655,000 | 554,000 |
| Securities available for sale | 164,667,000 | 155,101,000 | 137,608,000 | 145,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,439,000 | 182,930,000 | 159,637,000 | 175,588,000 |
| Interest-bearing deposits | 175,525,000 | 166,154,000 | 145,349,000 | 157,640,000 |
| Noninterest-bearing deposits | 16,914,000 | 16,776,000 | 14,288,000 | 17,948,000 |
| Equity capital | 18,563,000 | 19,191,000 | 20,647,000 | 21,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,960,000 | 7,723,000 | 11,278,000 | 14,568,000 |
| Interest expense | 2,493,000 | 4,658,000 | 6,410,000 | 7,771,000 |
| Net interest income | 1,467,000 | 3,065,000 | 4,868,000 | 6,797,000 |
| Noninterest income | 459,000 | 911,000 | 1,372,000 | 1,858,000 |
| Noninterest expense | 811,000 | 1,680,000 | 2,537,000 | 3,482,000 |
| Provision for loan losses | 31,000 | 62,000 | 90,000 | 119,000 |
| Pretax income | 1,049,000 | 2,135,000 | 3,514,000 | 4,955,000 |
| Income tax | 309,000 | 631,000 | 1,054,000 | 1,497,000 |
| Net income | 740,000 | 1,504,000 | 2,460,000 | 3,458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,019,000 | 17,783,000 | 18,739,000 | 19,737,000 |
| Total capital | 17,620,000 | 18,416,000 | 19,401,000 | 20,291,000 |
| Risk-weighted assets | 67,072,000 | 65,801,000 | 69,254,000 | 70,809,000 |